# MOODY NATIONAL BANK
GALVESTON, TX · FDIC certificate 3210 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.54B | |
| Deposits | $1.31B | |
| Loans and leases | $1.14B | |
| Total equity | $221.7M | |
| Loans / deposits | 85.15% (p45 of band) | 87.10% |
| Liquid assets / assets | 24.12% (p61 of band) | |
| Uninsured deposits / deposits | 45.28% (p84 of band) | 30.76% |
| Brokered deposits | 1.30% | |
| Wholesale funding | 1.30% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.87% (p94 of band) | 10.50% |
| Unrealized securities loss / equity | -14.41% (p30 of band) | -7.75% |
| AOCI / equity | -0.13% (p64 of band) | |
| ROA (annualized) | 0.96% (p28 of band) | 1.26% |
| Net interest margin | 3.44% (p34 of band) | 3.70% |
| Efficiency ratio | 67.57% (p74 of band) | |
| Noncurrent loans | 1.03% (p74 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p70 of band) | |
| Reserve coverage of noncurrent | 143.98% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 41.38% (p44 of band) | |
| Auto loans | $2.0M (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -6.8% | |
| Employees | 189 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | assets shrinking |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | assets shrinking |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | uninsured deposits >50%, capital falling | reserve under noncurrent |
| 2014-03 | 0 |  | uninsured deposits >50%, capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits >50% |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 2 |  | charge-offs p90 |
| 2015-09 | 2 | noncurrent p90, reserve under noncurrent | uninsured deposits >50%, capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2016-06 | 5 | assets shrinking |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 4 |  | assets shrinking |
| 2017-06 | 2 |  | noncurrent p90, deposits shrinking |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 6 | uninsured deposits leaving |  |
| 2023-03 | 5 | deposits shrinking | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 4 |  | deposits shrinking |
| 2023-09 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2023-12 | 0 |  | securities losses >30% of equity, construction >100% equity |
| 2024-03 | 1 | NIM <2.5% |  |
| 2024-06 | 0 |  | NIM <2.5% |
| 2024-09 | 0 |  |  |
| 2024-12 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2025-03 | 0 |  | capital falling, losing money, expense ratio p90 |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | deposits shrinking, assets shrinking |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2026-06 | 2 |  | noncurrent p90, reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-07 [Victor R. Pierson - Federal Reserve Bank of Dallas](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1SUVE4cmMwWkFteWVNaktUbjkzUkw1Ynh6WVZVVlJHMzFVdXNWZzlKalo2emhHWjUwTXRkM1ZtSVlzaWhHbVM4YURSMGV4NzNEWW5kYjJ2eFJ4QTlk?oc=5) · Federal Reserve Bank of Dallas
- 2026-01-16 [Moody National Bank CEO Victor Pierson reflects on 40 years of growth in Galveston - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPNVpZUm1ySC1uYUJqTVUwS21hTmtva3NXbGNfd0NRaTJlU0V0cm9YU2RBcG9FTndRTlJwQ3N3ckNfZnhhODNDc1kwcmpSTWdramlIb2FILUh4YUV5WktlWkJhNTZMWkR2d0ZXWmZtdnRfX2V4c1lvdTFKaFFGOGl3aVI0Smp5MnE3UmJyRjNqMUlaZGlQQndyWmtMXy1pREpvUlkwcw?oc=5) · The Business Journals
- 2018-01-27 [Moody Bank rebrands, makes strong Hill Country push - The Daily News | Texas' Oldest Newspaper](https://news.google.com/rss/articles/CBMizwFBVV95cUxNSVBDZm5xVU5aOUptRjNIQ01vTEtBR085QW56WWNWQVkxUkRYT214d0VTRG03TTBQcFpxTUd0VG9KdkwwR0RwcHl1OFBwQ0MwdHNhQXM5V2lTZkFDMDBnNy1VSUVxdV90NjEtNF9fUlYtQkFhRDdOWGo0NFctTy1NTWdFcTNzdGczMThjR2pWbXJhOVdmTDRfV3Nla2lMa2MwZTEzX0NCNklIb3YxOHkwejQ5ckRnTlBiV1R1eU4tLVEtcERfZWJ2ZDlTNjFTaWs?oc=5) · The Daily News | Texas' Oldest Newspaper
- 2022-09-23 [Moody Bank Wealth Management ranked #1 by HBJ - The Business Journals](https://news.google.com/rss/articles/CBMifEFVX3lxTE9QN0duTk9ldklkZXliWVE4T2tESGJvTlk2YS1KakNvME1jSEJpQ3VOOHZWdE1ja0E0WlZlaVg5OHFwazVPLUlJaXNQTDdUWE03MFYwMGxKVFVRLTFmNjh3eFZfdTktUFV0MmduWExvYkxXNkZYOWRPdVFhcWI?oc=5) · The Business Journals
- 2023-11-07 [Bobby Moody death: Galveston icon who led Moody Foundation and contributed to the island dies at 88 - ABC13 Houston](https://news.google.com/rss/articles/CBMiggFBVV95cUxOMGk3UnpZWkFBd0VVb09yMWlTUmRpLXV4RzYtT1lvaGZTWllZVjE4Z243Ri0wOFU5bExmR21Ca3dFSlQydDBBZElGTno0OVlmZnlHa29KLVl6SXhTLXZMMHdzSlNILXpraU8zZTZ2LV9kZ2xtNDl0NGQyQ3ZyaTJaTXJ30gGHAUFVX3lxTE9KaHFObFlRNTRnd25ybW5Wdk0ySkJLdy1COERfYldERmhlR0UwWlNkakJCVlFnMFZSMjZKVlJCSjV3ZVFMY2xJOWEtY2VvM1ZMQndRSkNCR1BYYUg3cGgzb3FjWWtaYk50OGdOYXhGNkhfdWZsTUsySmZLcW9xbV9IWkM4b1Fibw?oc=5) · ABC13 Houston
- 2020-09-22 [Flooded in at Galveston home, Moody Bank employee paddles partway to work - The Daily News | Texas' Oldest Newspaper](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPVTZjdHJXNGlsTGFLTkhJUm11eFJGMUY1cjlwT3ZtNHE3Z2RwVHhsd1YxNTVvaGM5Q0dHcWtjYnp4V25pX1NNcERqUFVFandGSEJqOElMWFF4UHA2R19pc0d3WG96LUJCaXNaUVVHaUZwLVBXTk1weVhJVTZ5VEtuTjlDT2Q2Mjl1SHdONkZORXJaM2FwWk1zTXpFU3pDMVlEVEtmdXIzSWRYVjZWVFJTSkpWM3RJVEwzMG8yWWt4LXNtZHlHX0tnWUMyd2Y5QlMwU1JzWkwzVXd0cm85Mkp3NE95eVFYZ29xYnVTcWR3?oc=5) · The Daily News | Texas' Oldest Newspaper
- 2023-11-07 [Robert Lee Moody Sr. Obituary (2023) - Galveston, TX - Carnes Brothers Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxQRERBX3lmQkYwcW9MSW9ibWhQUHg0dEItWnAxSDRwWERrdzJRdVVFYjJ0M0JLS3BwYWc4Y2F0RjJEbjZyV2twYlVjbnNmMjlFNDE0NmlmUFItMVNrNUtGTjBKSlNlblljajd5NF9UVFQ5UzhlaDh1UFZhQkRHb0ZxcA?oc=5) · Legacy obituary
- 2021-10-08 [Meet the man who’s navigated Galveston’s largest bank through hurricanes, floods and, now, a pandemic - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPT2VIc3AxMmdTaDVkUGcwMzNnWEhKaVJmQno1WTZlZTcxZjNpbmMtTG5LYkdyZjMyRU5fQmd0MjBPd1o1NGtoR3RFcFBoT3Q4dmhLWTgyUjR4WTVPdlBjMThiUGRlX0hzU1FHSlNnMHM5cVpPdnhPQ0dYeXNPV1ZHU0JXZFNzbzIzSHl1WGd6OV96SDBXTUFuLWkwdG8zR0R5RUE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3210 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "3210", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide